Our Panama City Office is now open with regular business hours. During the aftermath of Hurricane Michael we know you are trying to get back to normalcy. Central is here to offer assistance to get you through these tough times. Find out more

Visa Credit Cards

Whether you are looking for a convenient method of payment or a low-rate credit card, Central offers the most in VISA card services.


Now you can view your FICO® Score on your Visa Statement, updated quarterly.


Visa Checkout is now available!




  • No Annual Fee
  • 25 day grace period on purchases**
  • No cash advance fees
  • Auto Rental Insurance
  • Warranty Manager
  • Travel and Emergency Assistance
  • Purchase Security
  • Apply Now for Visa Gold

Central's Visa Gold cards now earn Extra Awards® points each time you make a purchase. Those points will add up and can be redeemed for cash, gift certificates, or travel awards. Find out more at www.extraawards.com           


VISA Classic


Visa CreataCard®

Now you can customize your credit card with the CCUFL CreataCard® app on your smart phone or on your desktop.  When customizing your card, you can choose a photo from your Facebook, Instagram, Dropbox, Picasa, OneDrive, or Flickr to set as the background on your card.  You can also add a photo of yourself to your card for added security.  You can apply for a debit or credit card online on your desktop when customizing your CreataCard®.

Verified By Visa

With Central Credit Union, making purchases has become more convenient and secure than ever before! With Verified by Visa telephone and online shopping risk can be greatly reduced. Contact the Visa Department for more information about this free service.

Find out more about  verified by visa

Important information regarding Visa EMV chip cards.

Visa Credit Builder Program

If you want to start building your credit, we are here to help. The Visa Credit Card is a great way to get started in learning the responsibilities of credit. Starting a credit history is essential and Central is here to help in this process.  Apply now for a new Visa credit card!

Share Secured Visa Credit Card

Rebuild your credit while enjoying a Visa Credit Card. Central's Share Secured Visa benefits include a low interest rate, and a credit limit that fits your budget.  Your  payment history will be reported to all three major credit bureaus helping you improve your credit rating. Apply now for a Share Secured Visa card.


Central Visa Credit Card Controls

Lost Visa Credit Card? Don’t Panic. Shut off your credit and debit cards any time, any place, with Card Controls. Available on our mobile app.

Image of Credit Card Info


*APR = Annual Percentage Rate

**Grace period applies when entire new balance on the previous cycle's billing statement is paid by the payment due date of that statement.

Serving Members

Since 1962